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What to Keep in Your Wallet

what to keep in wallet

Deciding on the essentials for your wallet is more than just a matter of convenience; it's about ensuring every day is navigated with ease and security.

In this guide, you'll discover exactly what to keep in your wallet, balancing necessity with minimalism. 

We'll delve into the must-haves and the must-nots, providing you with a clear, concise answer to the age-old question of wallet contents, while also exploring deeper insights and tips to enhance your wallet's functionality and safety.

What this article covers:

What to Carry in Your Wallet

What to carry in your wallet is slightly different from what to put in a wallet as a gift. Let’s dive into some of the items you should keep with you:


Carrying a form of identification is non-negotiable for the modern individual. Your ID, such as a driver's license or a state-issued identity card, is crucial not just for driving or traveling, but also for everyday verification purposes.

From picking up a parcel at the post office to verifying your age, your ID is indispensable. At Andar, we've seen how a missing ID can turn simple tasks into complicated ordeals. Therefore, ensuring your ID is always in your wallet is a fundamental rule we stand by.

Debit/Credit Cards

In an era where digital transactions are king, having a couple of debit or credit cards is essential. Our research indicates that two to three cards usually strike the perfect balance for most individuals.

what to keep in a wallet

This selection often includes a primary bank card, a backup, and possibly a credit card for emergencies or rewards. It's about having enough for convenience but not so many that it becomes a liability.

Plus, with contactless payments on the rise, these cards offer a seamless way to navigate day-to-day transactions.

Insurance Cards

Your health and auto insurance cards are your safety net in unexpected situations. In the event of a medical emergency, having your health insurance information readily available can expedite treatment and ease administrative processes.

Similarly, an auto insurance card is vital for any roadside incidents. These cards are not just pieces of plastic but gateways to your safety and well-being in critical moments.

Reward/Loyalty Cards

For those who frequent certain stores or dining establishments, reward or loyalty cards are a great way to capitalize on regular purchases. These cards can offer discounts, special offers, or points that accumulate for future savings.

Our advice is to be selective; carry only those that you use regularly to avoid wallet clutter. Remember, the goal is efficiency and utility, not collecting every card offered to you.


Despite the digital shift, cash remains a universal tool for transactions. We recommend carrying a small amount for occasions where digital payments might not be an option.

what do you keep in your wallet

This could include tipping at restaurants, small purchases at local vendors, or emergencies where electronic systems fail.

In our experience, cash is also a great backup in areas with poor digital infrastructure. The key is to carry enough to be useful but not so much that it becomes a security risk.

The amount of space you’ll have for cash will differ depending on the type of wallet you have. For more information on wallet types, be sure to check out our guides on what is a bifold wallet and what is a MagSafe wallet.

Emergency Contact Information

Having a physical card with emergency contact information is often overlooked but incredibly important. This could be a lifesaver in situations where your phone is unavailable or out of battery.

Include contacts like a family member, close friend, or medical professional. This card should also mention any critical medical information, such as allergies or conditions, ensuring that you receive the right care in emergencies.

What Not to Carry in Your Wallet

Social Security Card

Your social security card is a gateway to your identity, and carrying it in your wallet is a risk that should be avoided at all costs. If your wallet falls into the wrong hands, your social security number can become a tool for identity thieves, leading to fraudulent activities under your name. 

This can include opening new credit accounts, filing tax returns, or even getting medical services.

The aftermath of such theft can be time-consuming and stressful to resolve. We advise keeping your social security card in a secure and private location at home, only taking it out when absolutely necessary.


While it might seem convenient to stuff receipts into your wallet for tracking expenses or returns, this habit can lead to unnecessary clutter and security risks.

what should you carry in your wallet

Our research has shown that old receipts often contain partial credit card information, and personal details, and can give insights into your spending habits and frequented locations.

This information can be exploited for malicious purposes if your wallet is lost or stolen. To maintain a tidy and secure wallet, regularly clear out receipts, keeping only the most recent or important ones, and consider digital alternatives for tracking your expenses.

Excess Cards

A wallet overflowing with cards is not just a physical burden but a potential security hazard. Each additional credit or loyalty card in your wallet increases the risk and the potential damage in case of theft or loss.

In our experience, more cards mean more calls to make to cancel them, more accounts to secure, and a higher chance of fraud. It's wise to streamline your wallet to include only the cards you use regularly. This not only simplifies your financial management but also minimizes potential risks.

For loyalty cards, consider using digital alternatives or apps that can store your information without taking up physical space in your wallet.

What It's Possible to Digitize

  • Loyalty Cards: Many can be stored in digital wallets or apps.
  • Insurance Information: Keep digital copies on your phone.
  • Receipts: Opt for digital receipts when possible. 

What to Do If Your Wallet Is Stolen

  • Report Lost Cards: Immediately contact your bank and credit card companies.
  • File A Police Report: This can be crucial for identity theft cases.
  • Replace Essential Items: Start with your ID and critical cards.

what to carry in wallet


In the world of wallets, less is often more. Keeping your wallet streamlined with essentials not only makes life simpler but also more secure.

At Andar, we believe in crafting wallets that complement this philosophy – stylish, efficient, and secure. Remember, your wallet is a small yet significant part of your daily journey. Keep it smart, keep it safe, and you're ready for anything the day throws your way.

For leather wallets that are secure, minimalist, and stylish, be sure to visit our store.

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